BANK OF THE WEST'S
FINTECH PARTNERSHIP PROGRAM

NEXT BATCH WILL OPEN IN EARLY 2019

Finlabs is designed to launch transformative products to Bank of the West's customers.

During a 4 month pilot, you will partner with business lines to solve a defined customer need. You gain direct touch to Bank of the West customers locally, with an open door to the rest of the world via BNP Paribas.

Bank of the West is a regional bank in a top global bank. It is headquartered in San Francisco, and its parent company, BNP Paribas is the #1 bank in Europe with presence in 74 countries.

Coming from both the startup and banking worlds in Silicon Valley and Europe, we know that working with banks can be painful. Our team of entrepreneurs in Paris set out to solve this problem 2 years ago with L'Atelier Boost Programs. The dream: creating corporate partnerships they wished were available while building their own companies.

Find your favorite Bank of the West business partners on the website and connect!

agenda

DISCOVER THE PROGRAM

BUSINESS-DRIVEN PARTNERSHIP:
WE TAKE NO FEE, NO EQUITY

CO-DESIGN A PRODUCT

Each company is paired with a business line from Bank of the West for a 4 months pilot to collaborate on a concrete need.

DIRECT TO CUSTOMER

We validate the business case by putting your product in our customers' hand.
Our goal is to prove the case for commercialization.

BEST SUPPORT

You get top management engaged from the beginning along with an internal sponsor and an implementation team.

DESIGNED TO SCALE

Get exposure to Bank of the West executives for expansion and cross-applications.

GLOBAL REACH

Your relationship with Bank of the West is the first step in global collaborations via BNP Paribas and its world-class network.

TRACK RECORD

L'Atelier Boost's method in Europe achieved BNP Paribas' first-ever early stage funding and 2 commercialized products within 1 year. 

BUSINESS PARTNERs

THE business partners FOR THE BATCH #1

Bank of the West’s SME Banking provides savings and transactional accounts, loans, debit cards, and credit cards for small and medium enterprises.

Innovation need

CUSTOMER-CENTRIC LOAN APPLICATION
#LOAN PROCESS
#ECONTRACT
#ONBOARDING
SME Banking is redesigning its loan application process with a customer-centric approach.
Needs
• UI and customer journey optimization across different channels
• Digital end-to-end loan application
• Redesigned back-end loan processing
ADDITIONAL SERVICES
#SME SERVICES
SME Banking is expanding its one stop shop of
services for its customers with digital banking products and additional services that could create value and engagement (accounting, payroll, tax
return, invoicing…).
Needs
• Fully digital financial services
• Value-added/engaging SME services

DATA-DRIVEN APPROACH
#DATA
#CUSTOMERS
#ANALYTICS
SME Banking is looking for data-driven approaches towards customers’ needs, while preserving the relationship of their advisors and customers.
Needs
• Prospecting, customer segmentation
• Data-driven customer analysis
• Pricing tools
SECURITY
#AUTHENTICATION
#FRAUD
SME wants to continue to strengthen the security of
its customer account.
Needs
• Fraud prevention
MICHELLE DI GANGI
EVP, Head of SMB Banking
The commercial cards businesses has a range of customer segments across SME and Commercial Banking, from micro-companies to multinational corporates. Rewards, rebates, and premium services are critical to success.

Innovation need

VALUE-ADDED SERVICES
#NEW SERVICES
#CUSTOMER EXPERIENCE
#AI
The commercial cards team is looking for distinctive and competitive experiences for its commercial and executive card offering for its mid to multinationals customers.
Needs
• Integrated, automated virtual card applications (such as travel or concierge services…)
• Premium services valued among mid-upper market enterprise customer segments
• Remote customer support
FRAUD DETECTION
#FRAUD
The commercial cards team is strengthening its fraud prevention technology.
Needs
• Fraud detection
DOMINIQUE FRACCHIA
MD, Head of Commercial Cards, CBG
The Loan and Credit team offers financing solutions for all size of businesses

Innovation need

AUTOMATE LENDING
#DATA
#AI
#CREDIT SCORING
CBG is improving the customer experience around loan applications by refining its internal methods of processing data
Needs
• Alternative data
• Credit scoring insights
ENGAGE CUSTOMER
#CUSTOMER ENGAGEMENT
CBG is helping its bankers build better relations
with their customers during back and forth communications.
Needs
• Engage the customer in a user-friendly way
AUGUSTIN DE KERVERSEAU
EVP, Head of Loan Book & Credit Products, CBG
The Equipment Finance division of Bank of the West delivers comprehensive financial solutions for all types of equipment financing and leasing in the US (software, construction, agriculture…).  It sells indirectly via trusted manufacturers (B2B2B business model).

Innovation need

CUSTOMER-CENTRIC LOAN APPLICATION
#SELF SERVICE
#CREDIT SCORING
#FRAUD
Equipment Finance is redesigning its credit facing portal for manufacturers and end customers.
Needs
• End-to-end, user-friendly leasing application solutions
• Update credit scoring and underwriting technology
•Automate back-end workflow
•Fraud detection and notification systems
DEBT COLLECTION
#DEBT COLLECTION
#CUSTOMER ENGAGEMENT
Equipment Finance is looking to better follow and
engage its customers in debt collection activities.
Needs
• Smart and customer-centric approaches for engagement
TRISTAN WATKINS
EVP, Equipment Finance Division, CBG
 

Innovation need

ATTRITION MANAGEMENT
#ANALYTICS
#AUTOMATION
#MODELING
Cash Management is looking to improve its attrition models.
Needs
• Predictive models and analytics
• Automation tools
EILEEN DIGNEN
MD, Head of Cash Management, CBG
Wealth Management Group delivers financial advisory services and products to a range of customer segments in the western United States. Clients consult one on one with a dedicated Private Client Advisor, who orchestrates a team of wealth specialists including trust service officers, private mortgage bankers, wealth financial officers and more to oversee the clients’ financial portfolio end-to-end.

Innovation need

HOLISTIC CUSTOMER ENGAGEMENT
#OMNICHANNEL
#CUSTOMER SUPPORT
WMG is looking for distinctive services delivering an elevated and unique experience to its clients.
Needs
• Enable new ways for customers to engage and communicate with WMG advisors
• Provide value-added services to customers that prioritize relationship-driven private banking
CUSTOMER-CENTRIC SECURITY
#AUTHENTICATION
#KYC
#TRUST
The team is looking to put clients at ease with
flexible security processes regarding the preferences of the customers while expanding its trustful reputation.
Needs
• Customer-centric authentication
• Additional services improving trust between the bank and the customers
KRISTIN NELSON
SVP, Head of Strategy, WMG
Retail Banking Group (RBG) is present in 19 states, with a majority of its customers in California and Colorado. Its innovation products are targeting millennials and the Z-generation.

Innovation need

CUSTOMER EXPERIENCE
#KYC
#ONBOARDING
#DATA
RBG is refining its internal processes such as KYC or
Onboarding to deliver a better customer experience.
Needs
• Improve the customer experience during KYC and Onboarding.
• Secure, fast, management of customers’ data across business lines
CUSTOMER ENGAGEMENT
#NEW SERVICES
RBG is transforming into a bank that has meaningful, regular engagements with its customers through a deeper understanding of its customer preferences and habits.
Needs
• New services providing value and/or engagement for the customers
BETH HALE
Head of Product Management & Payments Solutions Group, RBG
Bank of the West contact centers support the Retail Banking Group and Wealth Management Group by solving customer inquiries and issues through email, phone calls and online chat. It works closely with the Digital Channels team to provide customers with integrated digital tools for communication with the bank, as well as self-care/self-service.

IDENTITY
#KYC
#AUTHENTICATION
#FRAUD
The contact center team wants to improve the
experience of their customer during the identification and the validation of their inquiry
Needs
• Prioritize speed and discourage fraudsters during KYC and authentication
• People-friendly’ customer experience for personal inquiries
COMMUNICATION CHANNELS
#CUSTOMER SUPPORT
The contact center team wants to focus customer
service representatives' time on solving the most complex customer inquiries. It would like to automate processes and provide self-service options to solve
repetitive, simple customer inquiries.
Needs
• Self-service / Automated customer support
• Manage the workload across the different support channels

EMPLOYEE TRAINING
#EDUCATION
#CUSTOMER SERVICE
The contact center’s team is looking for engaging learning methods for its employees, as well as adapted curriculum for changing expectations of customers.
Needs
• Dynamic internal training leveraging alternative learning methods
• Curriculum development modernized for today’s customer, and encouraging a service-to-sales
culture
MARCUS JOHNSON
Head of Contact Centers
Personal Finance provides its clients with a complete range of consumer credit – from personal loans to revolving credit, as well as vehicle and home improvement loans. Its subsidiary, Essex Credit, is the
leading US RV/boat financial services firm. It has a B2B2C business model – supporting retailers, carmakers and dealers, web merchants, and various financial institutions (banking and insurance) with
financing solutions for its customers.

Innovation need

LOAN ORIGINATION AND SUBSCRIPTION
#E-SUBSCRIPTION
#OMNICHANNEL
Auto loan subscriptions are paper based and require
manual processing. Personal Finance wants auto loan subscription for end customers to be more accessible and automated for its customers.
Needs
• Online and Omnichannel loan subscription
SMART ACCOUNT MANAGEMENT
#LEAD GEN
#MARKETING
#OMNICHANNEL
Currently, Personal Finance primarily engages auto
financing customers through car dealerships. It wants to engage end customers earlier in their car buying journey through digital channels, and better utilize customer insights to build its business.
Needs
• Account based marketing and B2B CRM
• Lead generation and prospecting
• Cross-selling tools
• Predictive loan repayment analysis and insights

LOAN MANAGEMENT
#SELF SERVICE
#PERSONALIZATION
Personal Finance would like to address the challenge
around personalized auto loan management for its end customers and car dealerships. The PF team aims to develop a more customized and automated loan
management platform that enables self-service options, and can be adapted to preference and needs of the customer. It could also be integrated with and
collaborate with existing dealership platforms.
Needs
• Self service and customized loan management platform

DIRECT LOAN SUBSCRIPTION PLATFORM
#SELF SERVICE
#ECONTRACT
Facing growth in its loan originations, Essex Credit, the RV/Boat Financing subsidiary of PF is looking to grow its capacity by optimizing and accelerating its application process. Applications should be direct to customer via partner APIs. Today, applications have to entirely go through emails, phone and postal communication with a relationship manager, limiting their bandwidth and raising the turnaround time to close loans.
Needs
• Solutions for an end-to-end self service portal for customers to apply and validate a loan without any input of a relationship manager.
SALES/MARKETING AUTOMATION
#CRM
#MARKETING
Having been focused on acquiring customers through its partners, Essex Credit, the RV/Boat Financing subsidiary of PF, is now leveraging its online presence to attract direct clients.
To reach this goal, new digital tools need to be set up to attract and target customers.
Needs
• CRM solutions
• Marketing automation
• Digital communication management
MICHAEL PEREIRA
Head of Personal Finance

Surprise us !

Silicon Valley, HBO
If you are an amazing Artificial Intelligence or pure fintech startup not directly linked to the business lines or topics mentioned above, contact us!
At L'Atelier BNP Paribas we would be happy to welcome you and connect you with the right people across business lines.

TEAM

WhaT MAKES US DIFFERENT ?

We are a diverse team with corporate and startup backgrounds,
committed to the success of your partnership.

Rena Zuabi

Rena Zuabi

Head of Innovation Programs

  • 7 years of startup and SMB product strategy, UX
  • Angel and VC investments in 15 startups globally
  • Launched The Portal, a VC-incubated social enterprise and product studio
Alessandro Promutico

Alessandro Promutico

Advisor

  • 10+ years corporate and investment banking including BNP Paribas and JPMorgan
  • Strategy consulting at Roland Berger
Matthieu Soulé

Matthieu Soulé

Advisor

  • 10+ years of banking innovation in Silicon Valley and Paris for BNP Paribas
  • Corporate mentor and advisor for dozens of fintech startups globally
Romain Quechon

Romain Quechon

Program & Operations Manager

  • Operations Manager with L’Atelier Paris
  • 2x founder including Start'Aix
  • Right-hand CEO
Benjamin Lesage

Benjamin Lesage

Senior Analyst

  • 3+ years leading project and strategy for BNP Paribas Corporate and Investment Banking
  • Fintech evangelist - Montreal
  • Founder of a consulting company in digital marketing
Raphaelle de Marliave

Raphaelle de Marliave

Head of Marketing

  • 10 years of marketing in global corporations including Coca-Cola and Sony
BUSINESS LINE SPONSORS
Jean-Marc Torre

Jean-Marc Torre

SEVP, Head of Commercial Banking at Bank of the West

Ryan Bailey

Ryan Bailey

EVP, Head of Retail Banking at Bank of the West

Pierre Ramadier

Pierre Ramadier

SEVP, Head of Wealth Management Group at Bank of the West

Michelle di Gangi

Michelle di Gangi

EVP, Head of SMB Banking

Michael Pereira

Michael Pereira

EVP, Head of Personal Finance at Bank of the West

Thibault Fulconis

Thibault Fulconis

Vice Chairman, Chief Operating Officer

TESTIMONIALS

What was important for us is that a big banking group in which technology and innovation are at the core of its business chose us. It was a way for us to confirm our technological choices and be recognized by a major actor in the world.
Reda Bouakel
CEO at Fortia Financial Solutions
Implementation in one business line, distribution to the bank's partners and strategic investment
Read his story
Firstly, the funds raised will enable us to put the right structures in place so that we can move even faster; and secondly, the partnership with BNP Paribas will help to speed up adoption of our service and drive business growth.
Vincent Marty-Lavauzelle
CEO at Paycar
Product deployed in 3 business-lines. First-ever early stage startup funded by BNP Paribas.
Press Release
We got access to real customers and real business expertise. I feel very proud of the work we did together with BNP Paribas.
Christian Gillot
CEO at Tetrao
Current implementation in two business line in Luxembourg and the United States
Story soon

QUESTIONS?

askFinlabs@mail.atelier.net